How do I buy the SBI Super Top-up Health Insurance Plan?

You can buy it online via the SBI website or through insurance advisors. Submit KYC documents, make payment, and your policy is issued immediately.

How can I claim under the SBI Super Top-up Health Insurance Plan?

Cashless Claim: Available at network hospitals. Notify SBI, show your ID and insurance card, and get pre-authorization.Reimbursement Claim: Pay hospital bills, collect documents, submit the claim form, and SBI reimburses eligible costs.

What is the SBI Super Top-up Health Insurance Plan?

The SBI Super Top-up Health Insurance Plan is an additional health cover that activates once your base health insurance limit is exhausted. It helps protect against high medical expenses with affordable premiums.

Can I upgrade my coverage or change deductibles?

Yes. You can review and modify your plan during renewal, including increasing coverage or changing the deductible to suit your needs.

What is the coverage under this plan?

The plan provides coverage for hospitalization, day-care procedures, pre- and post-hospitalization expenses, and certain critical illnesses as per policy terms.

Are non-medical expenses like food and transport reimbursed?

No. The plan covers only medical expenses related to hospitalization and treatment. Non-medical expenses are not eligible for reimbursement.

What is the grace period for renewal?

If you miss the renewal date, SBI provides a grace period during which you can renew your policy without losing continuity or benefits.

Are day-care treatments covered under this plan?

Yes. Most day-care procedures requiring less than 24 hours of hospitalization are covered under the SBI Super Top-up Health Insurance Plan.

What is the minimum and maximum entry age?

The minimum entry age is 18 years, and the maximum can go up to 65 years. Renewal is allowed up to 75 years in most cases.

Can I port my existing health insurance to SBI Super Top-up?

Yes. Existing policyholders can port their base health insurance to SBI and continue coverage seamlessly with a Super Top-up plan.

How is the premium calculated?

Premiums depend on factors like age, sum insured, family size, and deductible amount. SBI provides personalized quotes before purchase.

Can I add my family members to the plan?

Yes. The SBI Super Top-up Health Insurance Plan allows coverage for your spouse, children, and dependent parents under a single policy.

How do I renew my SBI Super Top-up Health Insurance Plan?

SBI sends renewal reminders before expiry via email, WhatsApp, and calls. You can renew online through the SBI portal or by contacting customer support.

Is there a waiting period for pre-existing conditions?

Yes. Pre-existing diseases are generally covered after a waiting period of 24–36 months, depending on the condition and policy terms.

Who can buy the SBI Super Top-up Health Insurance Plan?

Individuals, families, and existing health insurance policyholders can purchase this plan. It is ideal for those seeking higher coverage at a lower cost.

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SBI Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up is smart because it gives you high additional coverage at a much lower premium than a regular health insurance plan.

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97%

Claim Sеttlеmеnt Ratio

20,000+

Nеtwork Hospitals

15+ Lakh

Total Claims Sеttlеd

Less than 2 Hours

Cashlеss Claim Approval

SBI Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top-Up

Factors to Consider While Buying SBI Super Top Up Mediclaim Policy

Assess Your Existing Coverage

Review your current health insurance to see whether it sufficiently covers rising medical costs. A Super Top-Up is useful if your base sum insured falls short.

Choose the Right Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles reduce premiums but increase your out-of-pocket expense before the policy activates.

Consider Your Family Size

For families, opting for a family floater plan is cost-effective and easier to manage, offering shared coverage for all members

Evaluate Health Needs

Ensure the policy supports your specific medical requirements, especially if you or dependents have ongoing health conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for strong coverage without creating financial pressure.

Assess Your Existing Coverage

Review your current health insurance to see whether it sufficiently covers rising medical costs. A Super Top-Up is useful if your base sum insured falls short.

Choose the Right Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles reduce premiums but increase your out-of-pocket expense before the policy activates.

Consider Your Family Size

For families, opting for a family floater plan is cost-effective and easier to manage, offering shared coverage for all members

Evaluate Health Needs

Ensure the policy supports your specific medical requirements, especially if you or dependents have ongoing health conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for strong coverage without creating financial pressure.

Super Top-Up

Inclusions & Exclusions of SBI Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of SBI health insurance super top up:

Inclusions

Domiciliary treatments are covered when hospitalisation is not possible.

Emergency ambulance charges are included.

Organ donor medical expenses are covered.

ICU/ICCU expenses are covered within policy limits.

Daycare procedures that don’t require 24-hour admission are included.

Pre- and post-hospitalisation costs covered for a specified number of days.

Covers hospitalisation expenses including room rent, surgery, doctor fees, and nursing after deductible.

Exclusions

Unproven, experimental, or alternative treatments not recognised by the insurer are excluded.

Injuries due to self-harm, alcohol, or drug abuse are excluded.

Maternity, childbirth, and fertility-related treatments are not covered unless specified.

Cosmetic, aesthetic, and plastic surgeries are excluded unless accident-related.

Non-medical and administrative expenses are not covered.

Illnesses diagnosed within the initial 30-day waiting period are excluded (except accidents).

Pre-existing diseases are not covered until the waiting period is completed.

Inclusions

Domiciliary treatments are covered when hospitalisation is not possible.

Emergency ambulance charges are included.

Organ donor medical expenses are covered.

ICU/ICCU expenses are covered within policy limits.

Daycare procedures that don’t require 24-hour admission are included.

Pre- and post-hospitalisation costs covered for a specified number of days.

Covers hospitalisation expenses including room rent, surgery, doctor fees, and nursing after deductible.

Exclusions

Unproven, experimental, or alternative treatments not recognised by the insurer are excluded.

Injuries due to self-harm, alcohol, or drug abuse are excluded.

Maternity, childbirth, and fertility-related treatments are not covered unless specified.

Cosmetic, aesthetic, and plastic surgeries are excluded unless accident-related.

Non-medical and administrative expenses are not covered.

Illnesses diagnosed within the initial 30-day waiting period are excluded (except accidents).

Pre-existing diseases are not covered until the waiting period is completed.

SBI Super Top-up Health Insurance Plan

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Super Top-up

Claim Process for SBI Super Top-up Health Insurance Policy

1-5 of 6 Process

Super Top-Up

How to Renew SBI Super Top Up Health Insurance Premium

Super Top-Up

How to Buy SBI Super Top Up Health Insurance Plans

1-5 of 7 Steps

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FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.